BlastPoint's Credit Union Scorecard
INOVA
Charter #4968 · IN
INOVA has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 44.1% in tier
- + Organic Growth Leader: Top 44.1% in tier
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Total Loans: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.4% in tier
- - Shrinking Wallet Share: Bottom 95.1% in tier
- - Deposit Outflow: Bottom 96.6% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 2.53% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - AMR Growth Rate: Bottom 4.2% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Indiana.
- Shares and deposits -4.5% year over year ($516M in shares and deposits).
- Membership: 47,605 members, +0.6% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.17%.
- Efficiency ratio 79.09% vs a 76.56% peer average.
- Loan-to-share ratio 114.90% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,605
+0.6% YoY-0.1% QoQ
|
+9.7K |
37,897
-5.0% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 12.1% in tier |
| Assets |
$643.5M
-5.1% YoY-2.2% QoQ
|
+$21.1M |
$622.4M
+0.6% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$592.9M
-2.6% YoY-0.2% QoQ
|
+$164.4M |
$428.5M
-0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 6.1% in tier |
| Deposits |
$516.0M
-4.5% YoY-0.9% QoQ
|
$-23.7M |
$539.8M
+0.9% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
0.2%
-173.3% YoY+108.7% QoQ
|
-0.6% |
0.8%
+39.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.1% in tier |
| NIM |
3.5%
+6.6% YoY+2.5% QoQ
|
-0.1% |
3.5%
+5.0% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
79.1%
-2.1% YoY-1.4% QoQ
|
+2.5% |
76.6%
-3.6% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.9%
-6.8% YoY-3.3% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
114.9%
+2.0% YoY+0.8% QoQ
|
+35.6% |
79.3%
-1.4% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 1.2% in tier |
| AMR |
$23,295
-4.1% YoY-0.4% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
35.2%
-10.5% YoY-2.3% QoQ
|
+10.7% | 24.6% | 19.4% | 20.0% | 84% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)